Synchrony Financial (SYF)

Currency in USD
72.08
+1.42(+2.01%)
Closed·
Pre Market
71.55-0.53(-0.74%)
·
SYF Scorecard
Full Analysis
Has raised its dividend for 3 consecutive years
Trading near 52-week High
Fair Value
Day's Range
70.5772.73
52 wk Range
40.5572.73
Key Statistics
Prev. Close
72.08
Open
71.78
Day's Range
70.57-72.73
52 wk Range
40.55-72.73
Volume
4.88M
Average Volume (3m)
3.54M
1-Year Change
41.86%
Book Value / Share
41.32
Fair Value
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Fair Value Upside
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SYF Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
78.68
Upside
+9.16%
Members' Sentiments
Bearish
Bullish
ProTips
10 analysts have revised their earnings upwards for the upcoming period

Synchrony Financial News & Analysis

Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Strong Buy
Technical Indicators
Strong Buy
Moving Averages
Strong Buy

Synchrony Financial Company Profile

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans. The company also offers private label credit cards, dual and general purpose co-branded cards, short- and long-term installment loans, and consumer banking products; and deposit products, including certificates of deposit, individual retirement accounts, money market accounts, savings accounts, and sweep and affinity deposits, as well as accepts deposits through third-party securities brokerage firms. In addition, it provides debt cancellation products to its credit card customers through online and mobile channels; and healthcare payments and financing solutions under the CareCredit and Walgreens brands; payments and financing solutions in the apparel, specialty retail, outdoor, music, and luxury industries, such as American Eagle, Dick's Sporting Goods, Guitar Center, Kawasaki, Pandora, Polaris, Suzuki, and Sweetwater. The company offers its credit products through programs established with a group of national and regional retailers, local merchants, manufacturers, buying groups, industry associations, and healthcare service providers; and deposit products through various channels, such as digital and print. It serves digital, health and wellness, retail, home, auto, telecommunications, pet, outdoor, and other industries. The company was founded in 1932 and is headquartered in Stamford, Connecticut.

Sector
Financial
Employees
20000

Synchrony Financial SWOT Analysis


Walmart Partnership
Explore Synchrony's new alliance with Walmart, potentially becoming a top 5 program and enhancing customer acquisition dynamics with higher returns
Credit Quality Trends
Delve into Synchrony's improving credit metrics, with lower-than-expected delinquency rates and net charge-offs signaling effective risk management
Strategic Initiatives
Learn about Synchrony's proactive approach to industry trends, including its in-house Buy Now, Pay Later platform and partnerships expanding consumer reach
Financial Outlook
Analysts project EPS of $7.98 for FY2025 and $8.81 for FY2026, with price targets ranging from $62 to $79, reflecting confidence in growth potential
Read full SWOT analysis

Synchrony Financial Earnings Call Summary for Q2/2025

  • Synchrony Financial Q2 2025 EPS of $2.50 beat expectations by 39.66%, but revenue missed by 0.82% at $3.65 billion
  • Stock dipped 0.86% in premarket trading despite strong earnings, closing at $68.75
  • Company expects flat loan receivables for 2025, projecting net revenue between $15.0 and $15.3 billion
  • CEO emphasized strategic importance of 'Pay later' initiative for future growth
  • Executives indicated loan growth has likely bottomed out, signaling cautious optimism for upcoming quarters
Last Updated: 22/07/2025, 14:16
Read Full Transcript

Compare SYF to Peers and Sector

Metrics to compare
SYF
Peers
Sector
Relationship
P/E Ratio
8.3x14.8x9.7x
PEG Ratio
0.44−0.120.03
Price/Book
1.7x1.1x1.0x
Price / LTM Sales
2.9x2.6x2.9x
Upside (Analyst Target)
11.0%11.6%9.0%
Fair Value Upside
Unlock−0.5%1.3%Unlock

Analyst Ratings

15 Buy
6 Hold
1 Sell
Ratings:
22 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 78.68
(+9.16% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 8.30%
Dividend Yield
1.66%
Industry Median 3.42%
Annualised payout
1.20
Paid quarterly
5-Years Growth
+3.60%
Growth Streak

Earnings

Latest Release
Jul 22, 2025
EPS / Forecast
2.50 / 1.79
Revenue / Forecast
3.65B / 3.68B
EPS Revisions
Last 90 days

SYF Income Statement

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FAQ

What Stock Exchange Does Synchrony Financial Trade On?

Synchrony Financial is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Synchrony Financial?

The stock symbol for Synchrony Financial is "SYF."

What Is the Synchrony Financial Market Cap?

As of today, Synchrony Financial market cap is 26.82B.

What Is Synchrony Financial's Earnings Per Share (TTM)?

The Synchrony Financial EPS (TTM) is 8.30.

When Is the Next Synchrony Financial Earnings Date?

Synchrony Financial will release its next earnings report on 27 Oct 2025.

From a Technical Analysis Perspective, Is SYF a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Buy.

How Many Times Has Synchrony Financial Stock Split?

Synchrony Financial has split 0 times.

How Many Employees Does Synchrony Financial Have?

Synchrony Financial has 20000 employees.

What is the current trading status of Synchrony Financial (SYF)?

As of 24 Jul 2025, Synchrony Financial (SYF) is trading at a price of 72.08, with a previous close of 72.08. The stock has fluctuated within a day range of 70.57 to 72.73, while its 52-week range spans from 40.55 to 72.73.

What Is Synchrony Financial (SYF) Price Target According to Analysts?

The average 12-month price target for Synchrony Financial is USD78.68182, with a high estimate of USD100 and a low estimate of USD60. 15 analysts recommend buying the stock, while 1 suggest selling, leading to an overall rating of Buy. The stock has an +9.16% Upside potential.
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